It's a fairly innocuous piece of this train wreck initiative, but it's also expensive for those who choose to take advantage of it: in most cases, the cost of the rider is far greater than an individual policy would be (particularly if the group plan is the typical co-pay arrangement).

It's a fairly innocuous piece of this train wreck initiative, but it's also expensive for those who choose to take advantage of it: in most cases, the cost of the rider is far greater than an individual policy would be (particularly if the group plan is the typical co-pay arrangement).